SIP CalculatorPlan Your Wealth with SIP
Calculate SIP maturity value, find monthly SIP needed for your target corpus, or plan a Step-Up SIP with annual increments — with real-time charts & year-wise growth schedules.
SIP Return Calculator
ELSS SIP Tax Saving: Investments up to ₹1,50,000/year qualify for Section 80C deduction — saving up to ₹46,800 in tax annually at the 30% slab + cess.
Year-wise Growth Chart
Wealth Milestones
₹10.00 L Milestone
Achieved in Year 6
₹50.00 L Milestone
Achieved in Year 15
Maturity Value
₹50.46 L
after 15 years · 180 months
Invested
₹18.00 L
Returns
₹32.46 L
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Our CA team helps you select the right funds, plan ELSS for tax saving under 80C, compute capital gains, and file ITR with mutual fund transactions.
Free Consultation💡 ELSS — Best Tax-Saving SIP
ELSS = Section 80C deduction (₹1.5L) + equity-like returns (12–15% CAGR) + shortest lock-in (3 years). Best SIP for dual benefit of wealth creation & tax saving.
Real Value of Your Corpus
At 6% inflation, your ₹50.46 L maturity value has the purchasing power of ₹21.05 L in today's money after 15 years.
Year-wise SIP Growth Schedule
Power of Compounding — ₹10,000 SIP @ 12% p.a.
*Illustrative only. Actual returns depend on fund performance and market conditions. Past performance is not indicative of future returns.
SIP Investment Guide — Everything You Need to Know
A comprehensive guide to SIP investments — how SIP works, calculation formula, benefits, taxation, and strategies for maximising returns in India.
How Does SIP Work? The Compounding Advantage
A Systematic Investment Plan (SIP) allows you to invest a fixed amount in a mutual fund scheme at regular intervals — typically monthly. Each SIP instalment purchases units of the fund at the prevailing NAV (Net Asset Value). The total number of units accumulated over time, multiplied by the final NAV, gives your maturity corpus.
The real magic of SIP lies in rupee cost averaging combined with compounding. When NAV is low (market correction), your fixed SIP amount buys more units. When NAV is high, it buys fewer units. Over a full market cycle, this averaging reduces your effective purchase cost — called the average cost of acquisition.
The compounding effect is exponential: early SIP instalments earn returns for the longest period. A ₹10,000 SIP in month 1 of a 20-year SIP earns returns for 240 months; the last instalment earns for just 1 month. This time-weighted compounding is why SIP returns accelerate dramatically in the later years — the "hockey stick" growth curve you see in our bar chart above.
SIP Formula Explained
FV = P × [(1+r)ⁿ − 1] / r × (1+r)Types of SIP — Which One is Right for You?
Regular SIP
Fixed monthly SIP amount, same date every month. Best for salaried individuals with stable income who want automated, disciplined investing without any manual effort.
Step-Up / Top-Up SIP
SIP amount increases by a fixed % each year — typically aligned with annual salary hike (10–15%). Creates significantly higher corpus than regular SIP from same starting amount.
Flexible SIP
SIP amount can be varied based on available cash flow. Suitable for freelancers, business owners, or anyone with variable monthly income who still wants to invest regularly.
Trigger SIP
SIP instalment is triggered only when the market or NAV hits a pre-defined level. Advanced strategy for experienced investors who want to invest more during market corrections.
Perpetual SIP
SIP with no end date — continues until you manually stop it. Ideal for long-term goals like retirement where you don't want to worry about renewing the SIP mandate periodically.
ELSS SIP
SIP in Equity Linked Savings Scheme — the only mutual fund with Section 80C tax benefit. Each instalment has 3-year lock-in. Combines tax saving + wealth creation in one instrument.
8 Proven Strategies to Maximise SIP Returns
Start Early — Time is Your Biggest Asset
Starting a ₹5,000 SIP at age 25 vs. 35 can result in 2–3x higher corpus at retirement at the same rate — purely due to extra compounding years.
Increase SIP Every Year (Step-Up)
Match your SIP increment to your salary increment. A 10% annual step-up on a ₹5,000 SIP can build 60–80% more corpus than a regular SIP over 20 years.
Stay Invested Through Market Cycles
Never stop SIP during market corrections — this is when you accumulate maximum units at lowest prices. 'Bear markets are the friend of long-term SIP investors'.
Choose Direct Plans
Direct plan SIPs have no distributor commission — expense ratios are 0.5–1% lower. This seemingly small difference compounds to lakhs over 20 years.
Diversify Across Fund Categories
Run parallel SIPs in large-cap (stability), mid-cap (growth), and international funds (currency diversification) for optimal risk-adjusted returns.
Review Annually — Not Daily
Check SIP portfolio performance once a year against its benchmark and category peers. Avoid panic-stopping SIPs based on short-term market volatility.
Reinvest Dividends as Growth Option
Always choose Growth option (not IDCW) for SIPs — dividends in Growth option are reinvested automatically, accelerating compounding significantly.
Use Windfall for Lump Sum Top-Up
Whenever you receive a bonus, incentive, or inheritance, invest it as a lump sum in your existing SIP fund — this boosts corpus without increasing monthly commitment.
SIP Taxation — FY 2024-25
Equity SIP Capital Gains Tax (Budget 2024)
Debt Fund SIP Taxation (Post April 2023)
All gains from debt mutual fund SIPs — irrespective of holding period — are now taxed at income tax slab rates. Indexation benefit removed from April 2023. Debt SIP gains are added to total income and taxed accordingly.
FIFO Method for SIP Redemption
For equity SIPs, each instalment is treated as a separate purchase. Redemption follows FIFO (First In, First Out) — the oldest units are redeemed first. Each lot's holding period and gain is computed separately for STCG/LTCG classification. Our CA team handles all these computations for ITR filing.
Why Use Taxvio's SIP Calculator?
- Real-time results as you move sliders — maturity value, wealth gained, inflation-adjusted corpus all update instantly
- Interactive SVG bar chart with inflation-adjusted overlay line — see exactly how your corpus grows year by year
- 3 calculators in one — SIP Returns, Target Amount (reverse SIP), and Step-Up SIP with annual increment comparison
- Wealth Milestones tracker — automatically marks when your corpus crosses ₹10L, ₹50L, ₹1Cr, ₹5Cr targets
- Step-Up vs Regular SIP comparison — instantly see how much extra corpus the annual increment creates
- Uses standard Future Value of Annuity Due formula — identical to results from AMC official SIP calculators
- CA-backed guidance on ELSS selection, capital gains ITR filing, CAMS/KFintech statement computation
- 100% free, no login required, no data storage — calculate unlimited SIP scenarios completely privately
SIP Calculator — Frequently Asked Questions
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Taxvio's CA team helps you choose the right mutual funds, plan ELSS for maximum 80C benefit, compute SIP capital gains, and file your ITR accurately — all from ₹499.
ELSS Tax Saving · SIP Capital Gains ITR · Fund Selection · Retirement Planning · 100% Online